# FIRST EAGLE BANK
CHICAGO, IL · FDIC certificate 25883 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $649.6M | |
| Deposits | $468.0M | |
| Loans and leases | $458.2M | |
| Total equity | $132.2M | |
| Loans / deposits | 96.66% (p84 of band) | 82.04% |
| Liquid assets / assets | 26.12% (p53 of band) | |
| Uninsured deposits / deposits | 31.44% (p71 of band) | 25.97% |
| Brokered deposits | 0.90% | |
| Wholesale funding | 7.08% (p67 of band) | |
| FHLB advances / assets | 6.17% | |
| Tier 1 leverage | 21.29% (p97 of band) | 10.81% |
| Unrealized securities loss / equity | -3.89% (p68 of band) | -8.10% |
| AOCI / equity | 0.06% (p83 of band) | |
| ROA (annualized) | 2.26% (p92 of band) | 1.28% |
| Net interest margin | 4.36% (p76 of band) | 3.91% |
| Efficiency ratio | 40.39% (p6 of band) | |
| Noncurrent loans | 0.10% (p23 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p37 of band) | |
| Reserve coverage of noncurrent | 1273.06% | |
| Real estate % of loans | 82% | |
| Construction % of loans | 79.19% (p77 of band) | |
| Auto loans | $170,000 (0.04% of loans; DQ 5.88%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 7.4% | |
| Employees | 45 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 1 | capital falling |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 0 |  | capital falling |
| 2013-06 | 1 | wholesale funding >15% |  |
| 2013-09 | 3 | deposits shrinking, assets shrinking |  |
| 2013-12 | 1 |  | deposits shrinking, assets shrinking |
| 2014-03 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2014-06 | 0 |  | wholesale funding >15%, deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2014-09 | 1 | wholesale funding >15% |  |
| 2014-12 | 2 | brokered >10% |  |
| 2015-03 | 1 |  | brokered >10% |
| 2015-06 | 0 |  | wholesale funding >15% |
| 2015-09 | 1 | construction >100% equity |  |
| 2015-12 | 0 |  | construction >100% equity |
| 2016-03 | 1 | construction >100% equity |  |
| 2016-06 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2016-09 | 0 |  | construction >100% equity, deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2016-12 | 2 | wholesale funding >15%, construction >100% equity |  |
| 2017-03 | 1 |  | wholesale funding >15% |
| 2017-06 | 1 |  |  |
| 2017-09 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2017-12 | 1 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2018-03 | 4 | loans exceed deposits, wholesale funding >15%, deposits shrinking |  |
| 2018-06 | 1 |  | loans exceed deposits, wholesale funding >15%, deposits shrinking |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 0 |  | construction >100% equity |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 1 | assets shrinking |  |
| 2022-09 | 2 | AOCI drag >20% of equity |  |
| 2022-12 | 1 |  | AOCI drag >20% of equity |
| 2023-03 | 0 |  | assets shrinking |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 1 | assets shrinking |  |
| 2024-06 | 0 |  | assets shrinking |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2021-07-16 [Joel Salk Obituary - Wilmette, IL - Dignity Memorial](https://news.google.com/rss/articles/CBMifkFVX3lxTE1HYUs2ZlI0eFVIalQtUTZWNm1oeWgtVHJwTWlVbVl4TlUzZWJlYWJ6cU1vSWZ1QVVRMlI2R3JadUJNSFBYekwwM3JfVjdwak1adUwwMG9NNV9BVk5JVzFxTXVvbFcybW13WkF3c2VxQ3FaNUM3dTR5YS13SGlwZw?oc=5) · Dignity Memorial
- 2017-07-07 [Iconic Sears Catalog Printing Facility Converted to Affordable Housing - Affordable Housing Finance](https://news.google.com/rss/articles/CBMitwFBVV95cUxPNjFoVV8wa2haeVVWOUZBZ3RuakMycURYUnBUaUNmN2dWSktVS2R1MjV6YzFIY3kwNmNNWlk3UHQ5QlBLRTNTNzR4MnVuWVhFY2pQUXVuU0lFUWUxNE1pR2JBdUh4cEpMeXQ4NVJnVWNsbE9yRFVkUDNqZnM1WmVTSDExU1B5VXJrS1RTSzdfb2Q4RWprcWRyN1hxdGhuNkFkcTVpX3htb2JqTGhMa05fQm5ER0d3ZjA?oc=5) · Affordable Housing Finance
- 2020-04-29 [Coronavirus Chicago update: Mayor Lori Lightfoot announces housing pledge to help renters, homeowners during COVID-19 pandemic, unemployment - ABC7 Chicago](https://news.google.com/rss/articles/CBMiqwFBVV95cUxOanhIWDFYTUZqZ2RiazJBSGVhZWt1MHpHS0QtTFJDVHl0ejRrQnhibzUzcmUzVFBPNXptZ0V1OXF4Z2NTTWJOT0lNbHVZaC13OHFmWjVBOGJaVDgyLWRCdzdFMXFlU0k1aE8tRWpiRHVEeUVYMW8tU0hPWTdmVjhUamFDN0tjbjU4eVpwNFl3clBsTG1DeHgzSVVKMHhKdndQV3AxUk1MWVVfNGfSAbABQVVfeXFMUDNUbXJ4NGE2dmJSalJKdTVJeVJWZDNtOHJjaVZmcUdHbEJ3cFB3OU1menEzVlU5eFdQd0t6OVpfdUxEYXJJVV95anF1bU5qRnB4WkwxWGtWMk8xMnJsaTQwQnM2bGVlUUotVEVoRzRmVEw3UGpEdk9meW9jdE1yR2JUMUlzRDhXbUJBMk4tSndYWVVWdU92MXVZbXpxMTluRDVnQmZsOGVzVHQtOGswYUQ?oc=5) · ABC7 Chicago
- 2023-10-02 [FHLBank Chicago Increases Support for Diverse Developer Initiative to Create Learning Opportunities for 10 Grant Recipient Organizations in Illinois and Wisconsin - Business Wire](https://news.google.com/rss/articles/CBMiwAJBVV95cUxOR3YtS0RaOXI5SC05UXUwZVZITGdhYlpYb2FqN2FfcC1tYWlsVFA0SFRhdGs3Z05LVFpac2xfR3U3SVRHNVVHUmhuM3J4TXg0Qmhma1lLQ0k2bm9mVWVWakcwaWlhTWpYbUI5SC1SVmlLay1SdlNtU2d2NTRZVWIzNDEzM1JlOXVNSUF1Wml0b3UtbE1sazNEdHFQNEM5UWJodkc3cUVnOC0yWHpjM1pULWFjZDlCdFd1NVFFUnp2eDVTQ0ZBUDYzM0h1RGF5ME53Wmg2dUlWMTZxOFBKTElVX0F5VHc2VHVZeFpnNnBRdEFsU21oTHdJQ3hOVy1xTXNKZWcta25DNi1NUlozOVpwaFU4b2k4TC1wUDdJTlZqRHRURnYwWVJNUm5MUHo2dV9QTl8yTkM1S1ZMVlowVW9JWg?oc=5) · Business Wire
- 2011-10-03 [Reduce, Reuse, Recycle poster contest winners chosen - Daily Herald](https://news.google.com/rss/articles/CBMimAFBVV95cUxON2ZmN014Z2EyUEN6ZnF0WWYybTVWOEp6aEg4VUh4NzRVVm44aE1VVTUxR19KamlrX1ZLTUtHNUZ6Y0szNWxYWmNBT3A0OTRIa2dCdi1XbFI5VXY3OFE5VUd1V1BrMmdwdWV1djJ0QXMySFFtNko5WlJkeEU3bS10cVZBdnFWaTNFREtacjNaRTNCMjRMQUVyNw?oc=5) · Daily Herald
- 2008-08-22 [REIA summer cocktail party - Crain's Chicago Business](https://news.google.com/rss/articles/CBMiekFVX3lxTE16V2xkN05YVERFQ0Qxc1hVNG1tVTA0d3k2clZaMWhvQ0NSb1NSeGpHeVhmTHBiVmxqRnEzS0tsTkRtRzk2bW9HQUR1QlRpRndxVk1XMkhTamFGOWlvQldhSHhuQmcyaWNianpBWkNwYW44MUphR3JqM253?oc=5) · Crain's Chicago Business
- 2024-10-11 [Marjorie Ruth Bredehoeft Obituary (2024) - Roselle, IL - Salerno’s Funeral Home-Rosedale Chapel - Roselle - legacy.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxQTEM0REVwS2QtYm1TYVYzU1JTU2ZzNzFkNUVIQjBZWF9LU25pTEFxM2ppMDRjUGY4Yi1IN2oyX3UzYWpLX1NaVUFwbzJGM1FZNUxpVTdfTmJqeHB3Z0R2OVBPTEhudHRUcS1YZ2J1ZGpNTFVORk5PaHZPb2hmSV9mWUhWSHpzaUdfNVE?oc=5) · legacy.com
- 2025-10-30 [FHLBank Chicago Awards $5.9 Million for Developer Program to Empower Emerging Leaders in Affordable Housing - Business Wire](https://news.google.com/rss/articles/CBMi-gFBVV95cUxPUDZKMEcteXdmNXZ2NzNSOWhuaW5lOC1SV3Y5RjBDRjNmWERrYXVDLUJ1N1dCbWxiSnFWV3VXRmQtNEU2UVJ1bmhzMDZmenNBMUhkUlFPNURwcjhySHpTb2RSU1lUZHNZZFNDMmZ6a1NXcl92bVNTTzlPZjh4cEZkZi1hUnczUE16cVl3ZDd4UXFsQ2wyeHFvazFZdHlvVFRGcGdQdE1GN0oxblFCajI3YWotclBpejVpYmM4ZVFyS2RaWm5uYWZtZEN4N1JNLVJQVUxjRUpiNkRxaG8zZ0FpSWVuQWNpem5zZnEyWTd0X0FOYWpyMG9RNmF3?oc=5) · Business Wire

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=25883 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/27.json (key "25883", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide